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Warranty and Indemnity insurance has become a standard feature in Finnish M&A transactions, yet many parties misunderstand its actual scope of protection. This examination reveals five critical coverage gaps that frequently catch buyers and sellers off guard, from the treatment of known risks to the challenges of proving losses. Understanding these limitations and how to address them through proper deal structuring can mean the difference between effective risk transfer and unexpected liability exposure.

What risks does a seat in the Board of Directors of a financially struggling company involve and ways to avoid and prepare for them.

The Finnish Cybersecurity Act has fundamentally transformed business insurance requirements by extending cyber risk management obligations to thousands of companies across new sectors. With management now personally liable for cybersecurity compliance and facing potential fines up to EUR 10 million, organizations must reassess their cyber insurance coverage, directors' and officers' liability policies, and overall risk management frameworks.